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Weekday in late January, late April, late May is not crowded.
This website is useful. https://www.kotsu.metro.tokyo.jp/bus/routes/eng/
You can get on the late night express bus at 2000 yen. https://idou.me/search/all/tokyo/niigata http://www.amy-go.com/af/niigata/
You can easily make an account with yucho bank. https://www.thejapanguy.com/how-to-open-a-japan-post-bank-account/